If it has been raining hard for several hours, or steadily raining (or snowing) for several days, be alert to the possibility of a flood.

Listening to local radio or TV stations for flood information.

Prepare a family disaster plan and kit

Check to see if your insurance covers flooding. If not, find out how to get flood insurance.

Keep insurance policies, documents, and other valuables in a safe-deposit box.

Assemble a Disaster Supplies Kit Containing: first aid kit and essential medications; canned food and a can opener; at least three gallons of water per person; protective clothing, rainwear, and bedding and sleeping bags; battery-powered radio, flashlight and extra batteries; special items for infants, elderly, or disabled family members; written instructions for how to turn off electricity, gas and water if authorities advise you to do so (remember, you'll need to have a professional to turn them back on); identify where you could go if told to evacuate. Choose several places in case one is not accessible.

What to do during a flood

Have your emergency kit staged and ready to go in case of an evacuation.